Disclosed in some examples are methods, systems, and machine readable mediums that provide users of a network-based financial account management system with a contextual user interface element, which when activated presents dynamic graphical user interfaces that provide financial account information as well as suggested financial performance improvement actions. Whether or not the contextual user interface is displayed may be based upon one or more of a context of the user, financial account information of the user, and account rules. Additionally, the suggested financial performance improvement actions may also be determined based upon one or more of: a context of the user, financial account information of the user, and account rules.
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2. The method of claim 1, wherein the performance improvement action comprises one or more transfers to increase an interest rate on one or more accounts of the user.
3. The method of claim 1, wherein the one or more processors are integrated into an automated teller machine.
4. The method of claim 1, wherein determining the probability, using the data structure describing the probability model, that the user will activate the contextual user interface element that is not yet displayed, when it is displayed, based upon the context information of the user comprising the current state of a graphical user interface of the network-based account management system and the transaction the user was performing comprises evaluating the context information of the user and the current state in one or more if-then statements.
5. The method of claim 1, wherein the data structure describing the probability model is created using a machine-learning training algorithm using training data sets, the training data sets comprising sets of historical context data and a corresponding label for each set on whether or not a user activated a graphical user interface element.
6. The method of claim 1, wherein the account information displayed in the second graphical user interface comprises information about a second account and wherein the first graphical user interface displays information about a first account.
7. The method of claim 1, wherein the account rules comprise rate tiers and qualifications.
8. The method of claim 1, wherein the context information of the user comprises an account the user is accessing, a device the user is using, a physical location of the user, or a time of day.
10. The method of claim 1, wherein the performance improvement action is a recommendation to increase a balance of an interest-bearing account of the user in order to increase an interest rate.
12. The computing device of claim 11, wherein the performance improvement action comprises one or more transfers to increase an interest rate on one or more accounts of the user.
13. The computing device of claim 11, wherein the computing device comprises an automated teller machine functionality.
14. The computing device of claim 11, wherein the operations of determining the probability, using the data structure describing the probability model, that the user will activate the contextual user interface element that is not yet displayed, when it is displayed, based upon the context information of the user comprising the current state of a graphical user interface of the network-based account management system and the transaction the user was performing comprises evaluating the context information of the user and the current state in one or more if-then statements.
15. The computing device of claim 11, wherein the data structure describing the probability model is created using a machine-learning training algorithm using training data sets, the training data sets comprising sets of historical context data and a corresponding label for each set on whether or not a user activated a graphical user interface element.
16. The computing device of claim 11, wherein the account information displayed in the second graphical user interface comprises information about a second account and wherein the first graphical user interface displays information about a first account.
17. The computing device of claim 11, wherein the account rules comprise rate tiers and qualifications.
18. The computing device of claim 11, wherein the context information of the user comprises an account the user is accessing, a device the user is using, a physical location of the user, or a time of day.
20. The computing device of claim 11, wherein the performance improvement action is a recommendation to increase a balance of an interest-bearing account of the user in order to increase an interest rate.
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March 2, 2023
May 28, 2024
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